so many books to read, instruments to learn, languages to speak, poems to write, countries to visit, songs to sing, movies to watch, people to meet, pictures to take, food to taste, places to see, sunsets to watch, stories to hear, stories to tell, things to create, hobbies to discover, dreams to chase, love to give, memories to make, lessons to learn, and a whole life to live.
Not my usual style to post half naked photos, but what the hell... 🤣
Also 49, no AI, no photoshop, pure human labor.
I encourage people to compete on health, not wealth rankings or lambos.
More health, more family = true wealth, and happiness.
My richest mentor told me:
"By the time most people are done analyzing, I've already made 3 mistakes and found a better way."
Being slow costs more than being wrong.
The real purpose of wealth is to become a kid again. To have the freedom to follow your curiosity and do whatever the fuck you want, whenever you want.
This is the kinda nonsense I was talking about yesterday. Africans are the worst enemies to other enterprising Africans. It's wild that 116 people can hold a $16 billion project at ransom with regional benefits for over 200m people.
These 'farmers' fail to realize how their overall productivity will improve anywhere they are relocated to in East Africa as a result of this refinery: Cheaper fuel, cheaper fertilizer which takes a few days from factory to shelf to their farm, a better developed port, much more demand in that area generally for consumables.
Some prices are worth paying for to move forward as a society. I find it weird that folks in 3rd world countries want to practice 1st world liberal individualism then cry daily about why they live in undeveloped societies. This is development, deal with it.
Marc Zuckerberg explained how Muse AI works.
It can book reservations, make payments, and keeps your passwords and card details secure.
If the agent messes up a payment, it's insured so you'll get paid back.
It works via a chat interface in its own Muse app (and on WhatsApp).
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Let's say you want to book a movie or pay for something:
1. @Stripe Link mints a single-use virtual card scoped to the purchase you approved. Muse never sees your real card.
2. If Muse makes a mistake, a refund guarantee covers it. XCover (Cover Genius) underwrites it, Link pays the premium.
3. Eligible purchases get price protection and damage or loss cover up to $500 per claim, plus no-fee returns up to $250.
Only 9% of consumers say they'd let an agent complete a purchase for them (Accenture, June 2026). I mean, if an agent buys the wrong flight, that sucks! The question holding agentic commerce back is who eats that loss.
An insured agent can be wrong and people will still let it spend. Insurance is the killer app for agentic commerce.
Card networks answered it in the 90s. People typed card numbers into websites because zero liability and chargebacks made a bad merchant the bank's problem. The difference there was the user was involved. The card networks will absolutely want to own this kind of protection. The industry needs to get ready for that.
On the business model, Zuckerberg told Alex Heath: Muse gives 100 million free tokens a week to win market share, $20 or $100 a month for power users, and eventually "a very small cut of whatever the transaction is."
So subscription plus payments.
There's a SURPRISING privacy-forward approach here:
He and Nat Friedman recruited Moxie Marlinspike, Signal's founder, to build a Confidential VM where "even Meta cannot see the content." That ships later this year.
And we already saw a privacy backlash with Instinct, which was storing your passwords and card credentials in its own vault. In the last two weeks it added Stripe Link and 1Password. Muse launched with both.
(You have to credit the partnerships folks at Stripe and 1Password here, locking in the personal agents super early.)
Where's Google in all of this personal agents discourse?
Google has the email, the calendar, the cards and the search history. Apple has a strong bit of user trust. Neither has shipped a personal agent.
This will become your control center and your interface. The everything app.
Is your consumer service ready for Muse as a customer? Is your Neobank? Your bank?
Is Meta a fintech now?
Is all AI fintech?
🚨 Michael Carrick: “This was not acceptable. I take responsibility for this defeat”.
“The performance towards the end of the second half, that's on me”.